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Household financial stability - Publications


Quarterly Debt Monitor (Vol. 1, Issue 4)

In this fourth issue of the Quarterly Debt Monitor, covering the fourth quarter of 2016, the St. Louis Fed explores decreasing auto debt growth alongside a rise in subprime delinquencies on car loans. Over the past few years, strong lending of auto and student debt has buoyed total debt, accounting for the majority of credit expansion. This report offers a closer look at auto lending, including the factors that contributed to the expansion in this sector.

The Rise of Underemployment: Supporting the Needs of Low-Income Workers

In 2016, the Federal Reserve Bank of San Francisco held a series of roundtable discussions across the Western states to examine drivers of the recent rise in involuntary part-time employment and the impact it has on lower-income households. This paper summarizes existing research on the topic of underemployment, discusses themes that surfaced during the locally focused meetings, and proposes ways to address the underlying causes through solutions that build on the interrelated nature of housing, jobs, transportation, and child care.

In the Balance (Issue 16 - 2017)

In this issue of In the Balance, economists from the Federal Reserve Bank of St. Louis further explore the paradox of how higher education has become an unintentional engine of economic disparity for blacks and Hispanics, rather than an engine of economic equality.

Bridges — Winter 2016-2017

Bridges is a quarterly review of regional community and economic development issues, projects and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics and government officials that work in the Eighth Federal Reserve District. Feature articles in the Winter 2016-2017 issue include: Indianola Promise Community: Improving Academic Outcomes in the Delta; Working Together to Address the Wealth Gap; Community and Economic Development: Around the Globe and Back to the Mississippi Delta Region; 12 Steps to Financial Success: Empowering At-Risk Adults; Memorial Community Development Corporation: Putting Faith to Work; and more.

Quarterly Debt Monitor (Vol. 1, Issue 3)

In this third issue of the Quarterly Debt Monitor, which focuses on the third quarter of 2016, the St. Louis Fed finds consumer debt growth stalling in the four largest metropolitan statistical areas (MSAs) in the St. Louis Fed's District (St. Louis, Little Rock, Ark., Louisville, Ky, and Memphis, Tenn.) and across the United States. Additionally, a special section is included in the issue that focuses on consumer debt trends in some of the smaller MSAs in the District, including Evansville, Ind.-Ky.; Fayettevillle-Springdale-Rogers, Ark.-Mo.; Jackson, Tenn.; and Springfield, Mo.

Universal CSAs in Illinois: Addressing the Racial Wealth Gap

According to the 2016 Illinois Poverty Report, poverty rates are two to three times higher for Illinoisans of color. Black children in Illinois are nearly four times more likely to live below the poverty line than white children. In this 2016 article from the Chicago Fed's Profitwise News and Views, the author examines how a universal Children’s Savings Account (CSA) program has the potential to provide such a ladder out of poverty and toward long-term financial security–especially in communities of color.

Quarterly Debt Monitor (Vol. 1, Issue 2)

In this second issue of the Quarterly Debt Monitor, covering the second quarter of 2016, the St. Louis Fed gives a detailed report on consumer debt nationally compared with the four largest metropolitan statistical areas (MSAs) in the St. Louis Fed's District (St. Louis, Little Rock, Ark., Louisville, Ky., and Memphis, Tenn.) and finds consumer debt grew across the United States, as well as all of the MSAs in the Eighth Federal Reserve District.

Quarterly Debt Monitor (Vol. 1, Issue 1)

In this inaugural edition covering the first quarter of 2016, the St. Louis Fed reports on consumer debt nationally compared with the four largest metropolitan statistical areas (MSAs) in the Eighth Federal Reserve District. These quarterly reports will examine changes in total consumer debt and in specific types of liabilities: mortgages, home equity lines of credit (HELOC), automobile and student loans, and credit card balances.

As land payments loom, Blackfeet Nation launches Piikani sudden-money awareness campaign

Campaign organizers aim to saturate the Blackfeet reservation with messages about the opportunities and pitfalls that large legal payouts present. From Community Dividend, a publication of the Minneapolis Fed.

Tax-time Savings: An Antidote to Financial Insecurity

This 2016 article, from the Chicago Fed's ProfitWise News and Views, provides an in-depth look at The Center for Economic Progress (CEP), a local and national leader in providing free tax and financial services for low-income families, with a front-line presence in 15 Chicago area communities, and central Illinois. CEP’s mission comes to life through its three core service areas: tax preparation, tax legal clinic and asset building program.

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